US 11,810,092 B1
Systems and methods for distinguishing between profiles in a passive authentication scheme
Azita Asefi, Vacaville, CA (US); Marcia Klingensmith, Pleasant Hill, CA (US); Joon Maeng, Newcastle, WA (US); Jenny Y. Tao, Belmont, CA (US); and Michael R. Thomas, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on May 27, 2021, as Appl. No. 17/332,738.
Application 17/332,738 is a continuation of application No. 15/632,791, filed on Jun. 26, 2017, granted, now 11,030,603.
Int. Cl. G06Q 20/20 (2012.01); G06Q 20/40 (2012.01); H04L 9/40 (2022.01); H04W 12/06 (2021.01)
CPC G06Q 20/206 (2013.01) [G06Q 20/40 (2013.01); G06Q 20/401 (2013.01); G06Q 20/40145 (2013.01); H04L 63/0853 (2013.01); H04W 12/06 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method of authenticating and authorizing payments, comprising:
receiving, by a merchant financial institution (FI) computing system, one or more biometrics and a routing token gathered by a point-of-sale (POS) device from a customer initiating a payment for a transaction via the POS device, wherein the routing token comprises routing information for routing the payment for the transaction to one customer FI computing system of a plurality of customer FI computing systems associated with the customer;
authenticating, by the merchant FI computing system, the one or more biometrics of the customer based on accessing a customer authentication database and comparing the one or more biometrics to one or more stored authentication templates;
receiving, by the merchant FI computing system, context information gathered by the POS device, wherein the context information comprises a plurality of context elements that describe a context of the transaction;
in response to authenticating the customer using the received one or more biometrics of the customer, selecting, by the merchant FI computing system, a customer payment profile from a plurality of customer payment profiles identified by the one or more biometrics of the customer and to use for the transaction, wherein each of the customer payment profile of the plurality of customer payment profiles comprises one or more payment types configured by the customer and is associated with a plurality of rules and each rule is associated with a potential context element, and wherein selecting the customer payment profile with a highest number of rules of the plurality of rules matching the received plurality of context elements, wherein the selected customer payment profile of the plurality of customer payment profiles is associated with a first payment type of a plurality of payment account types for the transaction;
determining, by the merchant FI computing system, the routing token is registered with a federated registry;
authorizing, by the merchant FI computing system, the payment for the transaction from a payment account associated with the selected customer payment profile;
routing, by the merchant FI computing system over a card network-, the payment for the transaction to the customer FI computing system based on the routing information contained in the routing token being registered with the federated registry; and
sending, by the merchant FI computing system to the POS device, a notification that the customer has been authenticated and that the payment for the transaction has been authorized by the customer FI computing system.